Data shown is for informational purposes only and does not constitute investment advice. TopFund is not SEBI-registered. Consult a SEBI-registered advisor before investing.
HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option - Direct Plan
★★★★★ 3rd-party
External rating
- Source: Third-party data provider (Groww/CRISIL)
- Original rating: 3/5, displayed as-is — TopFund does not modify third-party ratings
- Refresh frequency: Whenever TopFund re-syncs this fund's data
- Limitations: The provider's own rating methodology isn't disclosed here — see the provider's own site for their criteria
TopFund Score: 50/100 · Average
How this score is calculated
- Star rating (35%)3/5
- 3Y CAGR (30%)6.6%
- Expense ratio (20%)1.35%
- AUM (15%)₹146 Cr
Not investment advice — an analytical read of public fund data. Methodology →
HDFC Mutual Fund · Hybrid · Conservative Hybrid
₹24.63
AUM: ₹146 Cr
NAV updated 1 day ago
Plan
Direct
Option
Growth
Risk
High
Expense Ratio
1.35%
Exit Load
Nil
Fund Manager
Shobhit Mehrotra, Chirag Setalvad, Rakesh Vyas
Inception
Feb 2016
Benchmark
NIFTY 50 Hybrid Composite Debt 15:85 Conservative Index
Sharpe Ratio
-1.41
Std Dev (1Y)
3.88%
Historical Returns (CAGR)
Annualized trailing returns computed from NAV history — past performance only, not a guarantee of future results.
1m
-1.35%
3m
-0.92%
6m
+1.46%
1y
+0.82%
3y
+6.6%
5y
+6.93%
10y
+8.11%
since inception
+8.87%
TopFund's Take on HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option - Direct Plan
HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option - Direct Plan sits in the middle of the pack for Conservative Hybrid funds, currently carrying a 3-star rating. TopFund's composite Health Score, which weighs rating, 3-year CAGR, expense ratio and fund size, puts it at 50/100.
Cost: At 1.35%, the expense ratio runs 63% above the Conservative Hybrid category average of 0.83%. That gap is worth weighing against the fund's actual performance versus cheaper peers before committing to a long SIP.
Risk-adjusted performance: Over the trailing 1-year period, the fund shows a negative Sharpe ratio of -1.41 — over the past year, returns haven't kept pace with the volatility involved, even before accounting for the risk-free rate. Separately, annualised volatility of 3.88% is on the lower side for a Conservative Hybrid fund, suggesting a comparatively smoother ride.
Who should invest: This fund is best suited to investors who want a single fund blending equity growth with debt-driven stability. The High risk rating means near-term volatility should be expected — this isn't a fund to check daily.
This is an automated, data-driven analysis based on the fund's own metrics and its category peers — not personalized investment advice. Consult a SEBI-registered advisor before investing.
Sector Allocation
Asset Allocation
Fund Snapshot
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Tools & Guides for This Fund
Frequently Asked Questions about HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option - Direct Plan
The current NAV (Net Asset Value) of HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option - Direct Plan is ₹24.63. NAV is updated every business day after market close by AMFI.
1Y: 0.82% · 3Y CAGR: 6.6% · 5Y CAGR: 6.93%
The expense ratio of HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option - Direct Plan is 1.35% per annum. This is the annual fee charged by the fund to manage your investment.
HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option - Direct Plan is managed by Shobhit Mehrotra, Chirag Setalvad, Rakesh Vyas at HDFC Mutual Fund.
HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option - Direct Plan is classified as a High risk fund. It is suitable for investors with a long-term horizon of 3+ years.
HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option - Direct Plan is a Conservative Hybrid fund. SIP suitability depends on your investment goal and risk profile.
You can start a SIP in HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option - Direct Plan with as little as ₹500 per month through most mutual fund platforms. The minimum lump sum investment is typically ₹1,000.
The Assets Under Management (AUM) of HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option - Direct Plan is ₹146 crore. AUM indicates the total market value of assets managed by the fund.
* Past performance is not indicative of future results. Mutual fund investments are subject to market risks.
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